How much motorcycle insurance do you need?

The state of Alabama requires drivers to show proof of insurance that meets the minimum regulations. Bodily injury liability is required to be no less than $25,000 per person ($50,000 per accident), and property damage liability coverage should be no less than $25,000 per incident. It is possible to have the state minimum in auto coverage and still come out with the short end of the stick in Cullman, AL. The agents at Insurance Solutions Inc. can help you determine how much motorcycle insurance you may need to comfortably navigate the road. 

Is the minimum enough? 

The minimum amount of insurance coverage may not be enough if you plan to operate your motorcycle often. You may also find yourself in a financial hole if you have custom equipment that costs more than your policy’s limits to replace if damaged. 

Most motorcycle owners select additional coverage that exceeds the state’s minimum when driving their bikes in Cullman, AL, so they can feel secure when enjoying the sites. How much insurance coverage you may need depends on a number of factors. 

How much motorcycle insurance do you need?

You need to first consider your lifestyle when determining how much motorcycle insurance coverage is enough. You may be able to get away with paying for the bare minimum if you only plan to ride your bike a few times per year. It may be necessary to pay for more coverage if your motorcycle serves as your primary source of transportation through town. 

Motorcycle owners who have extra equipment or love to travel the country on their bikes may find themselves in need of more protection. You certainly do not want to find yourself stranded on the road wishing you had included roadside assistance in your plan. 

The agents at Insurance Solutions Inc. can help you fully understand the benefits of full protection when buying motorcycle insurance. Call them today for a quote!